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▲ TBC Group Call presentation concept 2Q and 1H 2026 Results Unaudited IFRS consolidated figures
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Disclaimer 2 By attending the meeting where this presentation is made, or by reading this document, you agree to be bound by the conditions set out below. The information, statements and opinions contained in this Presentation do not constitute a public offer under any applicable legislation or an offer to sell or solicitation of any offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments. Information in this Presentation relating to the price at which investments have been bought or sold in the past, or the yield on such investments, cannot be relied upon as a guide to the future performance of such investments. This Presentation contains forward - looking statements, such forward - looking statements contain known and unknown risks, uncertainties and other important factors, which may cause actual results, performance or achievements of TBC Bank Group plc (“TBC Group") to be materially different from any future results, performance or achievements expressed or implied by such forward - looking statements. Forward - looking statements are based on numerous assumptions regarding the Group’s present and future business strategies and the environment in which the Group will operate in the future. Important factors that, in the view of the Group, could cause actual results to differ materially from those discussed in the forward - looking statements include, among others, the achievement of anticipated levels of pro fitability, growth, cost and the recent acquisitions, the impact of competitive pricing, the ability to obtain necessary regulatory approvals and licenses, the impact of developments in the Georgian and Uzbek economies, impact of Russia - Ukraine war, military actions in the Middle East and Gulf, political and legal environment, the outcome of prosecutor investigations, financial risk management and the impact of general business and global economic conditions. None of the future projections, expectations or estimates in this Presentation should be taken as forecasts or promises nor should they be taken as implying any indication, assurance or guarantee that the assumptions on which such future projections, expectations or estimates are based are accurate or exhaustive or, in the case of the assumptions, entirely covered in the Presentation. These forward - looking statements speak only as of the date they are made and, subject to compliance with applicable law and regulation, the Group expressly disclaims any obligation or undertaking to disseminate any updates or revisions to any forward - looking statements contained in the Presentation to reflect actual results, changes in assumptions or changes in factors affecting those statements. The information and opinions contained in this Presentation are provided as of the date of the Presentation, are based on general information gathered at such date and are subject to changes without notice. The Group relies on information obtained from sources believed to be reliable but does not guarantee its accuracy or completeness. Subject to compliance with applicable law and regulation, neither the Group, nor any of its respective agents, employees or advisers intends or has any duty or obligation to provide the recipient with access to any additional information, to amend, update or revise this Presentation or any information contained in the Presentation. Certain financial information contained in this management report, which is prepared on the basis of the Group’s accounting policies applied consistently from year to year, has been extracted from the Group’s unaudited management accounts and financial statements. The areas in which the management accounts might differ from the IFRS Accounting Standards could be significant; you should consult your own professional advisors and/or conduct your own due diligence for a complete and detailed understanding of such differences and any implications they might have on the relevant financial information contained in this presentation. Some numerical figures included in this report have been subjected to rounding adjustments. Accordingly, the numerical figures shown as totals in certain tables might not be an arithmetic aggregation of the figures that preceded them. The securities of the Group have not been and will not be registered under the U.S. Securities Act of 1933 and may not be offered, sold or transferred within the United States except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of that Act. In the United Kingdom, this Presentation is being communicated only to and is only directed at persons who are ( i ) persons having professional experience in matters relating to investments falling with Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (the “Order”), (ii) high net worth entities (or their representatives) falling within Articles 49(2)((a) to (d) of the Order; or (iii) persons to whom it would otherwise be lawful to distribute this Presentation.
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3 2Q 2026 Group highlights Maintaining solid revenue trajectory Operating income +10% YoY driven by 13% increase in net interest income Lending volumes remain robust Str ong customer acquisition Ongoing capital returns Loans +12% YoY 1 led by strong growth in GFS retail, while Uzbek loan book has stabilised and is starting to return to growth Digital MAU tops 7.2 mln , +6% YoY led by strong growth in Georgia 2Q 2026 dividend of GEL 1.75 per share brings 1H 2026 payout to GEL 3.50 per share Net profit GEL 386 mln +12% YoY ROE 23.6 % (1) Growth rate at constant currency (2) Includes min 25% DPR and progressive dividend. Payout ratio includes both, dividends and buybacks. Improving operating efficiency CIR - 1.9pp QoQ to 38.3% on the back of moderating OPEX growth On track for 2026 - 2028 Group financial targets: Annual loan book growth 15 % + Annual ROE 23 %+ Payout ratio 2 25 - 45 %
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95% 5% Georgia Uzbekistan Total o perating income 1 (GEL mln ) Net profit 1 (GEL mln ) 82% 18% (1) Percentage splits are calculated based on Georgia and Uzbekistan only and exclude other subsidiaries and intra - group elimina tions Uzbekistan Georgia 93% 7% Gross loans (GEL m ln ) How TBC’s business is split (2Q 2026)
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TBC Georgia
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6 Georgia’s economic growth remains robust in 1H 2026 Source: Geostat , NBG, TBC Capital R eal GDP growth in Georgia remains strong at 7.9% in 1H 2026 Inflation stood at 5.8 % YoY in June, above the NBG’s 3% target, and is expected to remain broadly stable for the rest of this year TBC Capital leaves Georgia’s real GDP growth outlook unchanged at 7.4% in 2026 , supported by resilient external sector performance amid ongoing Middle East tensions Real GDP growth (%) Annual CPI inflation and monetary policy rate (%, EOP) 8.25 8.25 5.8 5.9 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Dec-26 CPI inflation Inflation target MPR 5.0 -6.3 10.6 11.0 7.8 9.7 7.5 7.9 7.4 2019 2020 2021 2022 2023 2024 2025 1H 2026 2026
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51% 40% 9% 51% 40% 9% 41% 37% 21% 1% 7 Loans & deposits up by ~ 15%, led by retail lending and CIB (1) Market shares are based on data published by NBG on analytical tool Tableau. Deposits exclude MOF and IFIs (2) Growth rate at constant currency Gross loans 2 GEL 29.0 bln + 14 % YoY Retail CIB 10.5 11.8 5.9 6.0 30-Jun-25 30-Jun-26 CIB MSME MSME Retail gross loans (GEL bln ) 2 2.4 6.7 3.2 7.5 Unsecured consumer loans Mortgages and other retail loans 30-Jun-25 30-Jun-26 (3) Other includes Georgian leasing portfolio (4) Customer deposits exclude Ministry of Finance (MOF) deposits + 36 % +12% +11% +18% Total retail gross loan portfolio growth YoY Legal entities gross loans (GEL bln ) 2,5 37 % Loans Market shares 1 37 % Deposits Customer deposits 2,4 Retail MSME CIB Other 3 GEL 25.2 bln + 16 % YoY 17.8 16.4 (5) Effective 1 January 2026, GEL 72 million was reclassified from MSME to CIB and GEL 219 million to retail
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Digital users (thousands) 47% 1,154 1,196 1,301 1,318 1,372 545 555 613 647 686 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Digital MAU Digital DAU DAU/MAU 46% 47% 49% 50% TBC mobile app wins Best Digital Bank 2026 in Georgia award from Euromoney Share of unsecured consumer loans and retail deposits issued fully digitally 77% 78% 83% 80% 84% 70% 80% 87% 82% 84% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Loans Deposits Daily banking User - centric platform Lending products Savings Lifestyle & loyalty Investments & Crypto • Crypto NEW 8
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9 Strengthening leadership in our award - winning retail banking business Sandro Rtveladze appointed as Deputy CEO, Retail Banking of JSC TBC Bank • Sandro will lead the Group’s retail banking business in Georgia • He brings over 10 years of senior leadership in retail and digital banking experience • Most recently served as Chairman of Ipoteka Bank, where he led the turnaround of OTP Group’s Uzbek subsidiary AI in Consumer Banking Awards 2026 in CEE region Best AI in Risk Management Global Finance Best Bank for Customer Experience 2026 in CEE region Euromoney Most Innovative Use of AI in Consumer Lending and Credit Risk Best AI Chatbots & Virtual Assistants
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TBC Uzbekistan
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11 Uzbekistan’s economy maintains strong growth momentum Source: Uzstat , CBU, TBC Capital Real GDP growth in Uzbekistan remains very strong at 8.5% in 1H 2026 Headline inflation has moderated to 6.4 % as of June 2026 and is expected to remain broadly stable in 2H 2026 TBC Capital expects Uzbekistan’s real GDP growth at 8 .2% in 2026, as strong momentum continues Real GDP growth (%) Annual CPI inflation and monetary policy rate (%, EOP) 5.0 1.6 8.2 6.1 6.3 6.7 7.7 8.5 8.2 2019 2020 2021 2022 2023 2024 2025 1H 2026 2026 14.0 13.5 6.4 6.2 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Dec-26 CPI inflation Inflation target MPR
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12 Strong growth dynamics across our verticals Salom card (‘000, cumulative) 10 % Of total TBC Uzbekistan loan portfolio 91 % Activation rate 533 735 951 1,083 1,218 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 71 88 146 183 212 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Osmon credit card (‘000, cumulative) 5 % Of total TBC Uzbekistan deposit portfolio 82 % Activation rate Payments total value (USD bln ) Fee and commission income ( GEL mln ) 2.1 2.4 2.8 2.6 3.2 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 TBC Uzbekistan total active merchants (‘000) 23 .6 12.4 16.5 20 .2 20 .8 38.0 42.2 30.4 34.5 39.8 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 +15% +5% + 15 % +54% +23%
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13 Loan book has stabilised and is starting to return to growth (1) Intergroup loans are eliminated. As per CBU methodology, TBC UZ Bank standalone gross loan portfolio split as of 30 June 202 6 is as follows: 56.2% - Microloans, 24.6% - Business loans, 11.7% - Credit cards. Under CBU methodology microloans includes unsecured cash loans, POS and BNPL All figures are reported in Georgian Lari (GEL), with USD terms included for enhanced investor understanding. To calculate th e b alance sheet items, we used the USD/GEL exchange rate of 2.6453 as of 30 June 2026. Source: IFRS Group Data 5.7 5.7 6.0 5.8 5.8 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 MAU ( mln ) Gross loans split per IFRS 1 (30 - Jun - 26) 58% 13% 10% 19% Credit cards Business GEL 2,306 mln Unsecured cash loans POS & BNPL USD 548 GEL 1,451 1,561 1,480 1,467 1,340 Jun-26 Mar-26 Dec-25 Sep-25 Jun-25 Deposits (GEL mln ) USD 872 GEL 2,306 2,297 2,550 2,636 2,464 Jun-26 Mar-26 Dec-25 Sep-25 Jun-25 Gross loans (GEL mln ) +8% - 7% - 6% +0.4% +3% +0.2% 33% DAU/MAU
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5 + mln Monthly active users 14 Recent business developments Auto loans • Launched in July Business Banking • Launched SME secured loans TBC Group completes acquisition of majority stake in OLX Uzbekistan 2 + mln Active listings Top 10 Most visited websites in Uzbekistan 17 % of Uzbekistan's active internet users This deal expands our customer reach, unlocking additional synergies that will drive long - term customer loyalty and engagement Central Asia’s and Uzbekistan's Best Digital Bank 2026
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2Q and 1H 2026 Group Financial Results
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23.7% 23.5% 1H 2025 1H 2026 24.3% 23.4% 23.6% 2Q 2025 1Q 2026 2Q 2026 665 751 1H 2025 1H 2026 346 365 386 2Q 2025 1Q 2026 2Q 2026 Strong profitability with 23.6% ROE and 12% net profit growth 16 Net profit (GEL mln ) ROE Source: IFRS Group Data +12% +6% +13% - 0.7pp +0.2pp - 0.2pp
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7.1% 7.0% 7.1% 2Q 2025 1Q 2026 2Q 2026 582 625 656 253 234 261 835 859 917 2Q 2025 1Q 2026 2Q 2026 Operating income up by 10% YoY, NIM increases ~10 bps QoQ 17 Total operating income (GEL mln ) NIM Source: IFRS Group Data Non - interest income Net interest income Uzbekistan Georgia 6.3 % 17.2 % 6 .2% 17.1% 5.9 % 22 .9% 6.2% 17.1 % 5.7 % 23.7 % Group +3% YoY +13% YoY +10% +7% +10% 1,115 1,281 494 495 1,609 1,777 1H 2025 1H 2026 6.9% 7.1% 1H 2025 1H 2026 +0.0pp +0.1 pp +0.2pp
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602 697 308 372 294 325 1H 2025 1H 2026 37.4% 39.2% 1H 2025 1H 2026 37.6% 40.2% 38.3% 2Q 2025 1Q 2026 2Q 2026 314 346 351 163 184 188 151 162 163 2Q 2025 1Q 2026 2Q 2026 Focus on efficiency drives lower cost/income ratio 18 Total operating expenses (GEL mln ) Cost to income Source: IFRS Group Data Staff costs Administrative & other expenses +8% YoY +15% YoY +12% +2% +16% - 1.9pp +1.8pp +0.7pp
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1.5% 1.5% 1H 2025 1H 2026 1.6% 1.3% 1.6% 2Q 2025 1Q 2026 2Q 2026 2.5% 2.7% 2.7% 3.0% 3.3% 30-Jun-25 30-Sep-25 31-Dec-25 31-Mar-26 30-Jun-26 Stable asset quality in Georgia, while Uzbekistan performance reflects seasoning of older vintages, loan book contraction and write - off change 19 NPLs /G ross loans Cost of risk Group 2.7% 10.6% 1 2. 4% 4.1% 2.5 % 4.7 % 2.5 % 5.8% 2.7% 6.7 % (1) The increase in NPLs in Uzbekistan in 2Q26 largely reflects an extension of the write - off period from 270 days to 360 days Source: IFRS Group Data Uzbekistan Georgia +0.0pp +0.3 pp +0.0pp Uzbekistan Georgia 0.7 % 11.8 % 0.6% 10 .2% 0.8% 9 .9% 0.7 % 10.9% 10.2 % Group 0.8 %
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49% 38% 8% 5% 23.3 25.4 26.5 30-Jun-25 31-Mar-26 30-Jun-26 38% 34% 19% 2% 7% 28.5 30.5 31.3 30-Jun-25 31-Mar-26 30-Jun-26 20 Strong QoQ growth in both loans and deposits Gross loans portfolio (GEL bln ) Gross loans breakdown (30 June 2026) Customer deposits portfolio 3 (GEL bln ) Customer deposits breakdown ( 30 June 2026 ) (1) Growth rates at constant currency (2) Other includes Georgian leasing portfolio (3) Customer deposits exclude Ministry of Finance (MOF) deposits Source: IFRS Group Data +10%/+12% 1 +3%/+4% 1 +14%/+15% 1 +4%/+5% 1 GEL 31 .3 bln GEL 26.5 bln Retail Georgia MSME Georgia CIB Georgia Other Georgia 2 Uzbekistan Retail Georgia MSME Georgia CIB Georgia Uzbekistan
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Retaining material capital buffers 21 As of 30 June 2026 Capital adequacy ratios are calculated for the Bank only 16.7% 19.8% 22.2% CET1 Tier1 Total 15.1% GEORGIA Min. requirements 20.3% 17.3% 19.1% 19.1% 22.1% CET1 Tier1 Total Min. requirements UZBEKISTAN 12.0% 10.0% 8.5%
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22 Strong capital position and high profit generation enable stable 2Q DPS Total dividend and share buyback (GEL mln ) Total DPS (GEL) 200 298 393 449 489 192 50 50 75 2021 2022 2023 2024 2025 1H 2026 Total dividend paid for the period Share buyback Dividend payout ratio Total capital distribution ratio incl. buyback 30% 35% 35% 35% 39% 348 499 564 3.66 5.45 7.22 8.10 1.5 1.75 1.75 1.75 1.75 3.87 2021 2022 2023 2024 2025 1H 2026 +25% CAGR Source: IFRS Group Data 35 % 40 % 25% 8.87 Final 3Q 2Q 1Q 3.50 1Q 2Q
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23 Key takeaways Maintaining strong growth and profitability in 1H 2026 with 23.5% ROE – on track for our 2026 - 28 financial targets Strong customer acquisition and engagement in Georgia help drive mid - teen loan and deposit growth Ongoing business recalibration in Uzbekistan as loan book stabilizes and starts to return to growth Robust capital position enabling ongoing capital distributions
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Appendix
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25 Group: profit and loss statement Source: IFRS Group Data GEL mln 2Q 2026 1Q 2026 2Q 2025 Change YoY Change QoQ 1H 2026 1H 2025 Change YoY Net interest income 656 625 582 13% 5% 1,281 1,115 15% Net fee and commission income 154 135 156 - 1% 14% 290 304 - 5% Other operating non - interest income 107 99 97 10% 8% 206 190 8% Total operating income 917 859 835 10% 7% 1,777 1,609 10% Total credit loss allowance - 128 - 105 - 119 8% 22% - 233 - 237 - 2% Operating expenses - 351 - 346 - 314 12% 2% (697) - 602 16% Profit before tax 438 409 402 9% 7% 847 770 10% Income tax expense - 52 - 44 - 56 - 7% 18% (96) - 105 - 9% Profit for the period 386 365 346 12% 6% 751 665 13%
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26 Group: key ratios For more information, please refer to the supplementary financial data file on: https://tbcbankgroup.com/investors/results - center/ Source: IFRS Group Data 2Q 2026 1H 2026 Georgia Uzbekistan Group Georgia Uzbekistan Group ROE 1 24.3% 10.3% 23.6% 24.2% 10.6% 23.5% ROA 2 3.7% 2.4% 3.4% 3.7% 2.4% 3.4% Cost to income 3 33.2% 50.6% 38.3% 33.6% 52.9% 39.2% Cost of risk 4 0.7% 11.8% 1.6% 0.7% 10.9% 1.5% NIM 5 6.3% 17.2% 7.1% 6.2% 17.1% 7.1% Loan yields 6 12.1% 41.0% 14.3% 12.1% 40.5% 14.3% Deposit rates 7 4.6% 22.2% 5.6% 4.7% 22.7% 5.7% Cost of funding 8 5.5% 22.2% 6.7% 5.5% 22.5% 6.7% PAR 90 to gross loans 9 1.9% 10.6% 2.5% 1.9% 10.6% 2.5% NPLs to gross loans 10 2.7% 10.6% 3.3% 2.7% 10.6% 3.3% NPL Provision coverage 11 51.2% 114.0% 66.2% 51.2% 114.0% 66.2% Total NPLs coverage 12 121.6% 114.0% 119.8% 121.6% 114.0% 119.8% Average balances included in this document are calculated as the average of the relevant monthly balances as of each month - end. Balances have been extracted from TBC's unaudited and consolidated management accounts prepared from TBC's accounting records and used by the Management f or monitoring and control purposes.
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27 JSC TBC Bank (Georgian standalone bank) capital ratios evolution in 2Q 2026 31 Mar 26 2Q26 profit Business growth Currency impact Dividend payment Tier 1 - Tier 2 30 Jun 26 Minimum Requirement (30 Jun 2026) Buffer above min requirement Potential impact of a 10% GEL devaluation CET 1 capital adequacy ratio 16.6% 1.1% - 0.5% 0.2% - 0.7% 0.0% 16.7% 15.1% 1.6% - 0.8% Tier 1 capital adequacy ratio 19.8% 1.1% - 0.6% 0.2% - 0.7% 0.0% 19.8% 17.3% 2.5% - 0.7% Total capital adequacy ratio 22.4% 1.1% - 0.7% 0.2% - 0.7% - 0.1% 22.2% 20.3% 1.9% - 0.6%
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28 Uzbekistan regulatory changes RWA regulation In November 2025, the Central Bank of Uzbekistan introduced the following risk weights, that apply when calculating capital adequacy ratios for banks that do not meet the prescribed requirements, if the concentration limit is exceeded in any of the three categories: microloans, credit cards, or overdrafts, the higher risk weights applies to the entire portfolio of that specific product category. This regulation came into force from 1 July 2026 New limits on retail loan composition In April 2025, the Central Bank of Uzbekistan introduced regulatory changes that will limit the respective share of microloan s, credit cards and car loans in bank’s credit portfolio each to 25%. This came into force from 24 July 2025. Banks have until 1 January 2029 to meet the targets. Share in loan portfolio Risk weight from 25% to 50% 150% from 50% to 75% 200% from 75% to 100% 250%
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29 Ratio definitions 1. Return on average total equity (ROE) equals profit attributable to owners divided by the monthly average of total shareholder s’ equity attributable to the PLC’s equity holders for the same period; annualised where applicable. 2. Return on average total assets (ROA) equals profit of the period divided by monthly average total assets for the same period; an nualised where applicable. 3. Cost to income ratio equals total operating expenses for the period divided by the total revenue for the same period. (Revenu e r epresents the sum of net interest income, net fee and commission income and other non - interest income). 4. Cost of risk equals credit loss allowance for loans to customers divided by monthly average gross loans; annualised where app lic able. 5. Net interest margin (NIM) is net interest income divided by monthly average interest - earning assets; annualised where applicable . Interest - earning assets include investment securities (excluding CIB shares), net investment in finance lease, net loans, and amounts due from credit institutions. 6. Loan yields equal interest income on gross loans divided by monthly average gross loans; annualised where applicable. 7. Deposit rates equal interest expense on customer accounts divided by monthly average total customer deposits; annualised wher e a pplicable. 8. Cost of funding equals sum of the total interest expense and net interest gains on currency swaps (entered for funding manage men t purposes), divided by monthly average interest - bearing liabilities; annualised where applicable. 9. PAR 90 to gross loans ratio equals loans for which principal or interest repayment is overdue for more than 90 days divided b y t he gross loans for the same period. 10. NPLs to gross equals loans with 90 days past due on principal or interest payments, and loans with a well - defined weakness, rega rdless of the existence of any past - due amount or of the number of days past due divided by the gross loans for the same period. 11. NPL provision coverage equals total credit loss allowance for loans to customers divided by the NPL loans. 12. Total NPL coverage total credit loss allowance plus the minimum of collateral amount of the respective NPL loans (after apply ing haircuts in the range of 0% - 50% for cash, gold, real estate and PPE) and its gross loan exposure divided by the gross exposure of total NPL loans. 13. Net loans to deposits plus IFI funding ratio equals net loans divided by total deposits plus borrowings received from interna tio nal financial institutions. 14. Net stable funding ratio equals the available amount of stable funding divided by the required amount of stable funding as de fin ed by NBG in line with Basel III guidelines. Calculations are made for TBC Bank standalone. 15. Liquidity coverage ratio equals high - quality liquid assets divided by the total net cash outflow amount as defined by the NBG. C alculations are made for TBC Bank standalone. 16. Leverage equals total assets to total equity. 17. CET 1 CAR equals CET 1 capital divided by total risk weighted assets, both calculated in accordance with requirements of the NBG Basel III standards. Calculations are made for TBC Bank standalone. 18. Tier 1 CAR equals tier I capital divided by total risk weighted assets, both calculated in accordance with the requirements o f t he NBG Basel III standards. Calculations are made for TBC Bank standalone. 19. Total CAR equals total capital divided by total risk weighted assets, both calculated in accordance with the requirements of the NBG Basel III standards. Calculations are made for TBC Bank standalone. Exchange Rates To calculate the QoQ growth of the Balance Sheet items without the currency exchange rate effect, we used the USD/GEL exchang e r ate of 2.6998 as of 31 March 2026. To calculate the YoY growth without the currency exchange rate effect, we used the USD/GEL exchange rate of 2. 7236 as of 30 June 2025. As of 30 June 2026, the USD/GEL exchange rate equalled 2.6453. For P&L items growth calculations without the currency effect, we used the average USD/GEL exchange rate for the following periods: 2 Q 2026 of 2.6774, 1Q 2026 of 2.6993, 2 Q 2025 of 2.7418, 1H 2026 of 2.6883 and 1H 2025 of 2.7776. Note: All figures are based on the latest quarterly results report. Minor differences in totals may occur due to rounding.
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30 Glossary Terminology Definition CBU Central Bank of Uzbekistan DAU/MAU Average daily active digital users divided by monthly active digital users. DAU/MAU is calculated for the Bank internet and mobile banking only Digital daily active users (DAU) Monthly average number of individual digital users who logged into our digital channels at least once per day Digital monthly active users (MAU) An individual user who logged into the digital application at least once during the month Georgian Financial Services (GFS, Georgia) Georgian financial services includes JSC TBC Bank with its Georgian subsidiaries and JSC TBC Insurance, with its subsidiaries Growth at constant currency basis Refers to growth at fixed exchange rate of the starting period NBG National Bank of Georgia TBC Bank Group PLC (Group) A public limited company registered in England and Wales. It is the parent company of JSC TBC Bank (the Bank) and a group of companies that principally operate in Georgia in the financial sector. It also offers non - financial services via TNET, the largest digital ecosystem in Georgia. Since 2019, It has expanded its operations into Uzbekistan by operating the fastest - growing digital financial ecosystem in the country. TBC Bank Group PLC is listed on the London Stock Exchange under the symbol TBCG Uzbekistan (UZ, TBC Uzbekistan) TBC Digital JSC with respective subsidiaries and BILLZ (Shoppe Group LLC)
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Andrew Keeley Director of Investor Relations E - mail: AKeeley@tbcbank.com.ge Tel: +44 (0) 7791 569834 Address: 100 Bishopsgate, C/O Law Debenture, London, England, EC2N 4AG, United Kingdom Anna Romelashvili Head of Investor Relations E - mail: ARomelashvili@tbcbank.com.ge Tel: +(995 32) 227 27 27 Address: 7 Marjanishvili St. Tbilisi, Georgia 0102 Investor Relations Department E - mail: IR@tbcbank.com.ge Tel: +(995 32) 227 27 27 Address: 7 Marjanishvili St. Tbilisi, Georgia 0102 Web: www.tbcbankgroup.com CONTAC T INVESTO R RELATIONS